Take-Home Pay Calculator (UK)
Work out your UK take-home pay after income tax, National Insurance, student loan and pension, a year, month and week. Includes Scottish tax rates.
New: please check your results.
Uses UK tax, National Insurance and student loan rates, last checked 26 October 2026. These can change, often at the Budget, so confirm with GOV.UK before relying on the result.
- Take-home pay a month
- £2,276.63
- A year
- £27,319.60
- A week
- £525.38
- Income tax a year
- £4,486.00
- National Insurance a year
- £1,794.40
- Student loan a year
- £0.00
- Pension from your pay a year
- £1,400.00
Year, month and week breakdown
| Year | Month | Week | |
|---|---|---|---|
| Gross pay | £35,000.00 | £2,916.67 | £673.08 |
| Income tax | -£4,486.00 | -£373.83 | -£86.27 |
| National Insurance | -£1,794.40 | -£149.53 | -£34.51 |
| Student loan | £0.00 | £0.00 | £0.00 |
| Pension | -£1,400.00 | -£116.67 | -£26.92 |
| Take-home pay | £27,319.60 | £2,276.63 | £525.38 |
What it does
Find out what you'll actually be paid after deductions. Enter your salary or monthly or weekly pay and see your take-home pay a year, month and week, after income tax, National Insurance, student loan repayments and your pension. Scottish income tax rates and all the student loan plans are included.
How to use it
- Gross pay
Your pay before anything is taken off, from your contract or payslip. Include regular bonuses or overtime if you want them counted.
- Pay is per
Whether the gross pay above is a yearly salary or what you get each month or week.
- Tax year
UK tax years run from 6 April to 5 April.
- Scottish taxpayer?
Choose Yes if you live in Scotland: it sets its own income tax bands. England, Wales and Northern Ireland share the same bands. National Insurance is the same everywhere.
- Pension contribution
The percentage you pay into a workplace pension, from your payslip. Auto-enrolment is usually 5%, including tax relief. Use 0 for none.
- How your pension is paid
Check your payslip or ask your employer. Relief at source: taken from your pay after tax, and the pension provider adds the tax relief. Net pay arrangement: taken before tax. Salary sacrifice: your salary is reduced, which saves National Insurance too.
- Pension worked out on
Many auto-enrolment schemes only count pay between £6,240 and £50,270 a year. Your pension statement or payslip will show which.
- Student loan
Plan 1: started in England or Wales before September 2012, or in Northern Ireland. Plan 2: England or Wales from September 2012 to July 2023. Plan 4: Scotland. Plan 5: England from August 2023.
- Postgraduate loan
A Master's or Doctoral loan, repaid at 6% on top of any other plan.
Common uses
- Checking a job offer or pay rise is worth it.
- Budgeting from what actually reaches your bank account.
- Working out pay from hours worked. Try the Hours Worked Calculator
- Working out tax if you're self-employed. Try the Sole Trader Tax Calculator (UK)
- Seeing how your pension could grow. Try the Pension Calculator (UK)
The formula
Take-home = gross pay − income tax − National Insurance − student loan − pensionIncome tax: 0% on the Personal Allowance (£12,570), then 20%, 40% and 45% bands (Scotland: 19% to 48%)National Insurance: 8% from £12,570 to £50,270, then 2%Student loan: 9% of pay above your plan's threshold (6% for postgraduate)Where:
- Personal Allowance
- falls by £1 for every £2 earned over £100,000, so it's gone at £125,140
- 2026/27 student loan thresholds
- Plan 1 £26,900, Plan 2 £29,385, Plan 4 £33,795, Plan 5 £25,000, postgraduate £21,000
Works on yearly figures with the standard 1257L tax code. Your payslip may differ by a few pence a month because payroll works period by period. Rates checked against GOV.UK and gov.scot on 26 October 2026.
Worked example
On £35,000 a year in 2026/27, in England, Wales or Northern Ireland:
- Personal Allowance: £12,570.00, so £22,430.00 is taxed
- Income tax at 20%: £4,486.00
- National Insurance at 8% above £12,570: £1,794.40
- Take-home: £35,000 − £4,486.00 − £1,794.40 = £28,719.60 a year, £2,393.30 a month
Questions people ask
How much tax do I pay on £35,000?
In England, Wales or Northern Ireland in 2026/27, with no pension or student loan: £4,486 income tax and £1,794.40 National Insurance, leaving £28,719.60 a year, or £2,393.30 a month.
Why is my payslip different?
Check your tax code: if it isn't 1257L, your allowance is different, for example because of benefits in kind or tax owed from an earlier year. Payroll also works each pay period separately, and bonuses, overtime or pension changes affect individual months.
Why do I lose so much between £100,000 and £125,140?
Because the Personal Allowance is withdrawn there: for every £2 you earn, £1 of allowance goes. That creates an effective tax rate of 60% (plus 2% National Insurance). Paying more into a pension can bring your income back under £100,000.
Last checked 26 October 2026